Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VALLEY MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | $1,742 | -0.335% | 177 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,943 | +0.217% | 440 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,407 | -0.144% | 285 | |
4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,677 | +0.196% | 412 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,358 | +0.370% | 162 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,131 | +0.148% | 74 | |
7 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $3,695 | +0.253% | 43 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,934 | +0.388% | 352 | |
9 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $1,281 | -0.083% | 85 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,432 | +0.536% | 66 | |
11 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $3,659 | +0.148% | 38 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $3,474 | -0.140% | 22 | |
13 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,623 | +0.637% | 212 | |
14 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Strong | $3,744 | +0.334% | 60 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $3,160 | +0.453% | 35 | |
16 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,522 | +0.461% | 21 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,560 | +0.601% | 42 | |
18 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,058 | +0.692% | 22 | |
19 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,505 | +0.304% | 83 | |
20 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,488 | +0.318% | 62 | |
21 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,649 | +0.947% | 25 | |
22 | AgCountry Farm Credit Services, FLCA | Sound | Mediocre | Sound | Sound | $2,924 | +0.601% | 33 | |
23 | NextMortgage, LLC | Sound | Mediocre | Acceptable | Sound | $4,233 | +1.269% | 39 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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